Get an Alaska car insurance quote
You could save over $700 on auto insurance when you switch to Liberty Mutual1
Buying auto insurance in Alaska
Alaska auto insurance discounts
Buy your policy online and save. It's that simple.2
Learn more about SavingsConvenience and savings — need we say more? Combine your policies and get a discount.2
Learn about Bundling and Save Discounts and moreGet rewarded for your good driving behavior by saving up to 30% on your policy.3
Save with our safe driver programAlaska minimum car insurance requirements (50/100/25)
In Alaska, drivers generally need liability insurance for vehicles that are subject to registration. The state's minimum required coverage limits are:4
Coverage type | State requirements |
|---|---|
| Bodily Injury to others Coverage | $50,000 per person and $100,000 per accident |
| Property Damage Liability Coverage | $25,000 per accident |
Visit the Alaska Division of Insurance to learn more about minimum coverage requirements.
Alaska's insurance rules are a little different from many other states. In some remote areas where vehicle registration isn't required, liability insurance may not be required either. You can check the Alaska Division of Motor Vehicles website for the current list of exempt areas.
Alaska also has a No Pay, No Play law, which may limit what uninsured drivers can recover after an accident, even if they weren't at fault. For example, an uninsured driver may be restricted from recovering certain non-economic damages, such as pain and suffering.
Because Alaska's requirements can depend on where the vehicle is registered and whether an exemption applies, it's a good idea to review your policy documents and confirm what coverage you need before driving.
Average cost of car insurance in Alaska, 2026
According to 2026 data, the average cost of “full” coverage car insurance in Alaska is about $2,460 per year.
Drivers in Alaska will often pay more, or less, depending on their coverages, car, age, driving record, and where they live.
Who offers cheap car insurance in Alaska?
Finding the cheapest car insurance in Alaska may sound great, but a low-cost policy may not pay out when you need it.
A Liberty Mutual auto insurance policy can cost less than you think.5
- $1,121 lower than GEICO
- $997 lower than Progressive
- $1,161 lower than State Farm
- $1,158 lower than Allstate
What are the teen driver laws in Alaska?
Alaska uses a graduated driver licensing (GDL) system to help new drivers build experience before they earn full driving privileges. Teens generally start with an instruction permit, move to a provisional license that limits late-night driving and the number of young passengers, and then qualify for a full license after meeting supervised-driving and holding-period requirements. These rules are designed to reduce crashes among the least experienced drivers. Adding a teen driver to your policy can affect your rate, so it's worth asking about discounts that may help.
Registering your vehicle in Alaska
To register a vehicle in Alaska, you'll generally work with the Alaska Division of Motor Vehicles (DMV). You'll typically need proof of ownership (such as a title), proof of insurance that meets the state's minimum requirements, a completed application, and payment for registration and any applicable fees.
Some older vehicles and certain remote communities may be exempt from registration. Requirements can change, so it's a good idea to check out the Alaska DMV website for the most current steps before you go.
Other types of vehicle insurance in Alaska
Alaska drivers often own more than just a standard car, especially in remote areas, where RVs, motorcycles, ATVs, snowmobiles, and boats are common. Liberty Mutual can help you protect many of these vehicles, whether you're insuring a motorhome for a summer road trip or a snowmobile for winter travel.
Coverage options and availability vary by vehicle type and state, so it's worth reviewing what's offered for your situation. Bundling these policies with your auto or home insurance through our Multi-Policy Discount could also help you save while keeping everything in one place.
Alaska car insurance FAQs
- No, Alaska is not a no-fault state. It's an at-fault (or "tort") state. That means the driver who causes an accident may be responsible for the resulting injuries and property damage, meaning their insurer typically covers the other party's costs.
Because not every driver carries enough insurance, many Alaskans choose to add Uninsured/Underinsured Motorist Coverage for extra protection. Liability Coverage is required to drive legally, but you can customize your policy with additional coverages so you only pay for what you need.
- Getting covered is straightforward. Start by gathering your driver's license, your vehicle details (make, model, and VIN), and information about your driving history. Decide how much coverage you'd like beyond Alaska's 50/100/25 minimum.
Many drivers add Collision, Comprehensive, and Uninsured Motorist Coverage for more protection. From there, you can get a quote online in minutes, compare options, and customize your policy. You may also qualify for discounts that could help lower your premium. Once you choose your coverage, you'll receive proof of insurance to keep with you while driving.
- Beyond the required Liability Coverage, Alaska drivers can choose from several optional coverages to add protection. These are some of the more common coverages drivers choose.
Coverage
What it helps with
Collision Repairing or replacing your vehicle after a collision, no matter who's at fault. Comprehensive Damage from events like theft, vandalism, fire, or hitting an animal. Uninsured Motorist Your costs if you're hit by a driver who has no insurance. Underinsured Motorist The gap when an at-fault driver's coverage isn't enough. Which coverages makes sense depends on your vehicle, budget, and how much risk you want to take on. See all our auto insurance coverages.